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Overview / Commentary
215 Paca St
Cumberland, MD 21502

Potomac Federal Credit Union is headquartered in Cumberland and is the 54th largest credit union in the state of Maryland. It is also the 3,185th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 11 employees and 2,864 members at 1 location. Potomac Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Allegany County, Maryland or Mineral County, West Virginia.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Potomac Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9445
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD-0.05%
Return on Equity - YTD-0.34%
Annual Interest Income$808.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$24.5MM$22.9MM
LoansQ3 2016vs Q3 2015$18.5MM$17.6MM
DepositsQ3 2016vs Q3 2015$20.8MM$19.2MM
Equity CapitalQ3 2016vs Q3 2015$3.5MM$3.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$158.00K$96.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$9.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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Potomac Federal Credit Union CD Rates

0.80%$1k-18 Month CD
0.75%$1k-12 Month CD
0.55%$1k-6 Month CD
0.55%$1k-9 Month CD

Potomac Federal Credit Union Locations
Branch Office215 Paca StCumberland, MD 21502